Provident financial holdings inc (PROV)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10
Interest income:
Loans receivable, net

39,593

39,982

39,993

40,092

40,707

40,629

40,033

40,016

39,774

39,545

39,926

40,249

40,285

39,785

38,648

37,658

37,750

38,235

38,632

38,337

37,162

36,204

35,913

36,424

37,218

38,777

40,978

42,905

45,499

47,414

49,389

50,505

51,493

53,003

54,630

57,442

0

0

0

Investment securities

2,320

2,434

2,311

2,042

1,767

1,557

1,432

1,344

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FHLB - San Francisco stock

574

574

707

707

705

705

570

568

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest-earning deposits

1,047

1,247

1,445

1,537

1,304

1,151

932

784

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities

-

-

-

-

-

-

-

-

-

-

-

575

478

432

375

358

303

277

278

287

297

309

323

339

359

382

406

428

450

471

495

528

562

621

704

798

0

0

0

FHLB San Francisco stock

-

-

-

-

-

-

-

-

-

-

-

967

1,006

985

706

721

936

899

852

796

580

657

729

793

773

686

619

438

311

225

108

99

90

82

92

110

0

0

0

Interest-earning deposits

-

-

-

-

-

-

-

-

-

-

-

626

556

489

522

567

471

340

282

276

335

425

487

503

522

481

427

390

334

326

279

303

332

343

371

339

0

0

0

Total interest income

43,534

44,237

44,456

44,378

44,483

44,042

42,967

42,712

42,332

41,920

42,358

42,417

42,325

41,691

40,251

39,304

39,460

39,751

40,044

39,696

38,374

37,595

37,452

38,059

38,872

40,326

42,430

44,161

46,594

48,436

50,271

51,435

52,477

54,049

55,797

58,689

0

0

0

Interest expense:
Checking and money market deposits

3,387

3,383

3,383

3,381

3,511

3,505

3,500

3,495

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Checking and money market deposits

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Savings deposits

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Time deposits

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Borrowings

2,987

2,873

2,784

2,827

2,899

2,931

2,944

2,917

2,896

2,897

2,905

2,871

2,792

2,720

2,632

2,578

2,538

2,285

1,973

1,660

1,415

1,430

1,533

1,841

2,442

3,020

3,721

4,219

4,451

4,934

5,549

6,290

7,194

8,172

9,300

10,680

0

0

0

Total interest expense

6,053

6,034

6,061

6,208

6,376

6,423

6,428

6,412

6,421

6,486

6,590

6,679

6,743

6,844

6,900

6,975

7,043

6,868

6,640

6,421

6,292

6,441

6,753

7,336

8,223

9,061

10,048

10,804

11,370

12,302

13,403

14,705

16,140

17,516

19,062

20,940

0

0

0

Net interest income

37,481

38,203

38,395

38,170

38,107

37,619

36,539

36,300

35,911

35,434

35,768

35,738

35,582

34,847

33,351

32,329

32,417

32,883

33,404

33,275

32,082

31,154

30,699

30,723

30,649

31,265

32,382

33,357

35,224

36,134

36,868

36,730

36,337

36,533

36,735

37,749

0

0

0

Provision (recovery) for loan losses

-646

224

419

475

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Recovery) provision for loan losses

-

-

-

-

-

-

-

-

-

-

-723

-1,042

-1,286

-1,815

-1,827

-1,715

-1,198

-615

-607

-1,387

-1,974

-2,712

-3,256

-3,380

-4,227

-3,895

-2,974

-1,499

2,090

4,229

5,338

5,777

4,573

5,644

5,560

5,465

0

0

0

Net interest income, after provision (recovery) for loan losses

36,835

38,427

38,814

38,645

38,746

38,767

37,481

36,836

36,635

35,818

36,491

36,780

36,868

36,662

35,178

34,044

33,615

33,498

34,011

34,662

34,056

33,866

33,955

34,103

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net interest income, after (recovery) provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

31,764

30,889

31,175

32,284

0

0

0

Non-interest income:
Loan servicing and other fees

-

-

-

-

-

-

-

-

-

-

-

1,251

1,207

1,228

1,224

1,068

1,062

943

928

1,085

1,122

1,110

1,150

1,077

948

899

950

1,093

1,092

1,145

939

733

759

801

900

892

0

0

0

(Loss) gain on sale of loans, net

-94

1,611

3,917

7,135

10,155

12,033

14,087

15,802

18,572

20,370

22,531

25,680

29,277

31,027

30,593

31,521

30,875

33,484

35,482

34,210

33,470

29,007

26,697

25,799

33,962

42,506

54,652

68,493

93,360

89,663

65,888

38,017

2,700

-758

14,471

31,194

0

0

0

Deposit account fees

-

-

-

-

-

-

-

-

-

-

-

2,194

2,193

2,221

2,259

2,319

2,365

2,382

2,396

2,412

2,438

2,459

2,474

2,469

2,472

2,449

2,447

2,449

2,445

2,449

2,458

2,438

2,409

2,433

2,478

2,504

0

0

0

Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net

-

-

-

-

0

0

-

-86

-398

-453

-494

-557

-323

-525

-427

-95

282

616

530

282

-9

-22

-53

18

45

218

895

916

872

439

-79

-120

0

0

0

-

-

-

-

Loss on sale and operations of real estate owned acquired in the settlement of loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Gain on sale of premises and equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

Card and processing fees

-

-

-

-

-

-

-

-

-

-

-

1,451

1,442

1,459

1,450

1,448

1,445

1,428

1,412

1,406

1,403

1,401

1,382

1,370

1,345

1,317

1,315

1,292

1,280

1,278

1,272

1,282

1,280

1,286

1,289

1,274

0

0

0

Other

814

866

829

833

819

832

891

944

923

893

867

802

669

688

765

800

953

974

978

992

1,009

1,000

952

942

964

944

965

957

859

855

835

800

783

773

742

755

0

0

0

Total non-interest income

4,830

6,781

9,032

12,511

15,788

17,946

20,092

21,895

24,249

25,830

27,921

30,821

34,465

36,098

35,864

37,061

36,982

39,827

41,726

40,387

39,433

34,955

32,602

31,675

39,736

48,333

61,224

75,200

73,562

69,483

56,761

43,150

34,431

31,786

34,570

36,357

0

0

0

Non-interest expense:
Salaries and employee benefits

20,346

24,672

26,884

30,149

32,864

32,380

33,802

34,821

36,419

37,981

39,697

41,742

43,249

43,509

43,131

42,609

42,530

42,850

42,829

41,618

40,350

38,211

37,173

38,044

41,250

43,958

47,717

50,450

49,075

47,905

43,614

39,283

35,437

32,258

31,443

29,966

0

0

0

Premises and occupancy

3,736

4,177

4,571

5,038

5,210

5,179

5,165

5,134

5,125

5,111

5,086

5,061

4,987

4,892

4,827

4,646

4,486

4,446

4,426

4,666

4,710

4,703

4,657

4,468

4,454

4,445

4,441

4,432

4,360

4,185

4,041

3,763

3,603

3,474

3,322

3,270

0

0

0

Equipment

1,996

2,099

2,332

2,474

1,730

1,755

1,635

1,576

1,572

1,482

1,447

1,447

1,399

1,396

1,486

1,503

1,572

1,643

1,627

1,720

1,747

1,762

1,822

1,830

1,874

1,921

1,869

1,830

1,752

1,627

1,615

1,488

1,510

1,547

1,515

1,526

0

0

0

Professional expenses

1,583

1,745

1,825

1,864

1,842

1,729

1,839

1,912

1,945

1,981

2,090

2,075

2,105

2,252

2,094

2,089

2,106

2,194

2,215

2,179

2,146

1,858

1,872

1,832

1,996

1,983

1,929

1,858

1,652

1,822

1,824

1,904

1,940

1,756

1,719

1,669

0

0

0

Sales and marketing expenses

818

887

928

980

990

957

1,005

1,039

1,070

1,278

1,230

1,323

1,349

1,284

1,365

1,331

1,407

1,509

1,574

1,643

1,725

1,685

1,677

1,761

1,734

1,829

1,854

1,859

1,844

1,646

1,408

1,187

868

755

737

672

0

0

0

Deposit insurance premiums and regulatory assessments

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposit insurance premium and regulatory assessments

-

-

-

-

-

-

-

749

750

750

709

773

868

931

1,004

1,018

1,000

975

963

974

989

1,013

1,004

945

877

867

941

1,066

1,183

1,306

1,464

1,296

1,566

1,897

2,100

2,610

0

0

0

Other

3,249

3,573

3,821

4,141

4,142

4,152

4,998

7,973

9,222

8,849

8,628

6,364

5,666

6,076

5,624

5,063

4,753

4,920

4,956

5,169

5,366

5,186

5,172

5,288

5,288

5,646

5,796

5,848

5,949

6,192

6,422

6,444

6,258

5,910

5,629

5,659

0

0

0

Total non-interest expense

31,954

37,449

40,770

45,236

47,397

46,836

49,174

53,204

56,103

57,432

58,887

58,785

59,623

60,340

59,531

58,259

57,854

58,537

58,590

57,969

57,033

54,418

53,377

54,168

57,473

60,649

64,547

67,343

65,815

64,683

60,388

55,365

51,182

47,597

46,465

45,372

0

0

0

Income (loss) before income taxes

9,711

7,759

7,076

5,920

7,137

9,877

8,399

5,527

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

8,816

11,710

12,420

11,511

12,846

12,743

14,788

17,147

17,080

16,456

14,403

13,180

11,610

17,139

22,844

32,033

42,713

40,881

36,705

27,903

18,738

15,013

15,078

19,280

23,269

0

0

0

Provision (benefit) for income taxes

2,819

2,163

1,920

1,503

2,107

2,963

4,220

3,396

3,086

3,109

2,137

3,609

4,912

5,273

4,886

5,372

5,339

6,278

7,291

7,277

7,047

6,195

5,697

5,004

7,367

9,601

13,453

16,916

16,035

14,397

10,681

7,928

6,408

6,470

8,271

10,049

0

0

0

Net income (loss)

6,892

5,596

5,156

4,417

5,030

6,914

4,179

2,131

1,695

1,107

3,388

5,207

6,798

7,147

6,625

7,474

7,404

8,510

9,856

9,803

9,409

8,208

7,483

6,606

9,772

13,243

18,580

25,797

24,846

22,308

17,222

10,810

8,605

8,608

11,009

13,220

0

0

0

Basic earnings (loss) per share

0.15

0.32

0.34

0.10

-0.02

0.26

0.25

0.18

0.23

-0.10

-0.03

0.13

0.14

0.19

0.20

0.31

0.18

0.12

0.29

0.28

0.29

0.26

0.26

0.22

0.14

0.16

0.15

0.51

0.46

0.65

0.81

0.39

0.21

0.16

0.20

0.19

0.20

0.37

0.40

Diluted earnings (loss) per share

0.15

0.31

0.33

0.10

-0.02

0.26

0.24

0.18

0.23

-0.10

-0.03

0.12

0.14

0.18

0.20

0.31

0.18

0.11

0.28

0.28

0.29

0.25

0.25

0.21

0.14

0.16

0.14

0.49

0.45

0.64

0.80

0.39

0.21

0.16

0.20

0.19

0.20

0.37

0.40

Cash dividends per share (in dollars per share)

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.13

0.13

0.13

0.13

0.12

0.12

0.12

0.12

0.12

0.11

0.11

0.11

0.10

0.10

0.10

0.10

0.07

0.07

0.05

0.05

0.04

0.04

0.03

0.03

0.01

0.01

0.01

0.01

Deposit account fees
Total non-interest income

1,764

1,812

1,870

1,928

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Card and processing fees
Total non-interest income

0

0

0

-

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan servicing fees
Total non-interest income

0

0

0

-

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-